I have many individual posts about how to get your free credit score and credit report. You can get a free copy of your credit report every year from www.annualcreditreport.com which is a government supported website. However, this website doesn’t provide credit score. Then how can you get your credit score for free? Let me tell you……

WaMu Platinum Visa Credit Card

Actually, this card was formerly issued by Providian which was then acquired by WaMu one year ago. From then on, all the WaMu credit cards will provide free credit score to the card holders. You can see your credit score once you log in you online account at www.wamucards.com. The credit score is based on your TransUnion credit report and is updated every month. Recently, they are sending out some invitations with sign-up bonus. Some readers report that if you don’t use this card for a while, they will close your account due to inactivity.

I have to mention that WaMu just launched a new credit card—ESPN Total Access Visa Card. This card is easy to get. If you can’t receive the invitation from WaMu and want to take advantage of the free credit score service, you can try for this card.

CreditKarma.Com

I have an introduce about this website here. They provide FAKO credit score based on your TransUnion credit report. (Although they claim that they can pull your credit report from any of 3 credit bureaus, you’d better believe that they only use TransUnion credit report.) Yes, it’s free! They will not charge you for your free credit score. But they have you credit status on hand. They can make money by corporate with many financial institutes by promoting some financial services to you.

Prosper and Lending Club

The above two mentioned websites are famous person-to-person lending clubs. They will pull your credit report, if you sign up as a borrower there. Instead of a credit score, they will give you a credit grade. By referring to the credit grade, you can roughly know your credit score. If you have a very good credit score, your default loan rate will be much lower than those with bad credit grade. You may not familiar with these websites. Currently, they are offering $25 sign-up bonus.

E-Loan.Com

You can also get a free credit score at eloan.com! It’s very simple. Click this link to eloan.com. You will see a variety of credit services provided by eloan. But they are not free! At the bottom of that page, you will see ” Free Credit Score (Credit Score Only)“. That’s not FICO score and is based on your credit profile at Experian. In fact, it’s supposed to help you to choose some better mortgage rate. It’s valid only for once. You can choose when to use it.

I hope this post will be of any help for you all!